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I have a credit card with Citibank that was closed by the bank but I'm still paying it online through the Citibank website.
I sent an email to the CEO Michael Corbat about a goodwill removal of three late payments and a possibility of re-opening my account since I am paying it on time and four days later I get a phone call from the office.
Late payments - no go. Bank error only they said. This seems to be a theme on this board with Citibank.
As far as re-opening my account, they would have to do a hard pull. I am in the stages of rebuilding and still have some baddies to take care of.
What should I do? I have been a Citibank checking customer for going on 11 years (one of the reasons I think they are allowing me to pay the card online). I don't want another hard pull on my account and they could easily reject the re-open. I was just happy that I got a call back that soon.
Thoughts?
A hard pull does not have high impact on scoring, and any impact is gone after one year.
I would not balk at a hard pull in order to get the account reinstated, particularly if they are giving the benefit of the original open date.